Company has a non-cancellable operating lease for its corporate office space in Golden, Colorado, which qualifies for capitalization

filing / Aug 7, 2026 / receipt

Company’s only asset subject to fair value measurement on a nonrecurring basis is its right-of-use asset associated with its office lease,

filing / Aug 7, 2026 / receipt

● Expense Management: The Company is making strategic investments in marketing, lending and system development. Management has identified specific actionable cost reductions that are within its direct operational control and that it would implement should operating conditions deteriorate below base-case expectations, including pausing or restructuring said strategic investments.

filing / Aug 7, 2026 / receipt

Company has a non-cancellable operating lease for its corporate office space in Golden, Colorado which qualifies for capitalization

filing / May 15, 2026 / receipt

also reflects the full-period impact of hiring of additional personnel to support the Company’s strategic initiatives, including expanding lending capabilities, developing managed business solutions, and enhancing beyond-banking services.

filing / May 15, 2026 / receipt

Expense Management: Management has identified specific actionable cost reductions that are within its direct operational control and that it would implement should operating conditions deteriorate below base-case expectations.

filing / May 15, 2026 / receipt